With the rising of house prices, there are more and more people buying second-hand houses, because buying second-hand houses can reduce the economic pressure to a certain extent. So, if you want to apply for a mortgage, how should you handle it? Here, I have sorted out the knowledge of mortgage related to buying a house for you. Welcome to read it and hope it can help you.
1、 How to buy second-hand housing mortgage
1. First of all, as for the aspect of loan, we need to confirm the mortgage service company with the intermediary before handling the loan, and propose loan consultation to the mortgage service company to determine the loan scheme. At this time, we should choose and try to find some companies with low price of high-quality service.
2. The second point is that we sign the housing sales contract with the owner of the second-hand house. Due to the different requirements of the trading center, we need to sign the contract according to the situation of your own region. This point can be consulted. It is very simple. Then we should prepare the loan information and review the loan qualification. Generally, the examination time is very fast, so we don't have to worry.
3. The third point is that when the mortgage service company will conduct the preliminary examination, if everyone's situation is basically in line, it will submit the loan information to the loan bank for examination. If the bank also passes the examination, the mortgage service company will arrange for you to sign the loan agreement with the bank and handle the notarization of the agreement. At the same time, we will charge fees, including housing insurance premium, so that our procedures are completed.
4. The fourth point is that after everything is ready, we can go to the transaction center of the housing area to handle the housing transfer and mortgage procedures, and hand over the mortgage receipt to the loan bank through the mortgage service company, so that the bank can handle it. When handling the transfer, you must be careful and pay attention to the specific situation of your house.
5. The fifth point is that as the lender, when your property certificate and other rights certificate are issued, the mortgage service company will send the copy of your property certificate and the original of other rights certificate to the bank according to the regulations. After the Bank of our loan receives your house property certificate and other right certificate, the mortgage service company will release the loan amount to you, so the whole procedure is basic It's over.
2、 Can buy second-hand house mortgage
Second hand housing can be used for mortgage loans. Before deciding to buy a house, the basic information of the house should be very familiar. During this period, we need to communicate more with the property owners. In addition to investigating the quality and property rights of the house, the property right certificate and the ID card of the property owner also need to be understood.
After the patient introduction of Xiaobian, I believe that you have a deeper understanding and understanding of the problem of mortgage purchase. Among them, we should pay special attention to the preparation of relevant personal documents before buying a house. I hope the above can help you.